The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.

Up to 23 days

Returned Payment Fee

$37

Foreign Currency Conversion Fee (MC)

Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.

0% of transaction value

Minimum Interest

$0.50

Minimum Credit Score

Fair (660-699)

Minimum Age

18 years of age

Annual fee

$0

Returned Payment Fee

$37

Late Payment Fee

$37

Cash Advance Fee

$10 or 5% of the amount of each cash advance, whichever is greater

Rewards Program

Barclaycard Rewards

Bonus Points on Sign-up

10,000

Rewards Points per $ spent (VISA/MC)

2

Points Expiry

Never

The basics

Barclaycard’s cruise-inspired credit cards generally follow a simple roadmap: few perks to speak of, but no annual fee and lots of points. The Carnival World Mastercard fits that trend.

The signup bonus is a quick reward: You’ll earn it after your first purchase. It’s good for 10,000 FunPoints, worth $100 in statement credit for trips with Carnival and other cruise lines.

Get more points for Carnival purchases

You’ll receive 2x points on all Carnival purchases and 1x points on everything else. Redeem them for Carnival statement credit, discounts, onboard amenities, gift cards and merchandise. Through Barclaycard’s Loyalty Edge, you can also redeem them for airfare, hotels and car rentals.

The more you spend with Carnival, the more statement credits your points are worth. Check out this table to see how far your points can go.

Amount spent with Carnival within the past 180 days

Your points are worth…

$50 to $1,499.99

1%

$1,500 and more

1.5%

Since your points can command a value up to 1.5%, you’ll enjoy a satisfying circle of rewards if you’re a Carnival regular. Not only will you earn accelerated points on Carnival cruises, you’ll also redeem those points for more statement credits.

Amount spent with Carnival

Points received

Statement credit value

Statement credit value (percentage)

$1,000

2,000

$20

1%

$2,500

5,000

$75

1.5%

Is the card worth getting?

Ultimately, this may come down to how much you spend with Carnival. One of the card’s biggest benefits is its 2x points for Carnival spending. If you’re a regular cruiser, you’ll quickly accumulate points to use for future trips. If you don’t travel with Carnival often, you may be better off with a general rewards card like the BankAmericard Travel Rewards.

Carnival World Mastercard vs. other cards

Another consideration is how much you spend yearly. If you’re a modest spender, the Carnival card holds up well against annual-fee travel cards like the Barclaycard Arrival Plus. You may, however, get more out of a no-annual-fee card like the BankAmericard Travel Rewards.

How long will it take to be approved?

Typically, you’ll receive an immediate decision on your application. In rare cases, you may need to wait a few days to a few weeks until Barclaycard manually approves your application.

I got the card. Now what?

Make timely payments. Pay your bill online at the Barclaycard website, where you can also enroll in autopay.

Avoid interest. After the close of each billing cycle, you have a grace period of 23 days to pay your balance. If you do, you won’t pay interest on your purchases.

Avoid fees. Late and returned payments come with hefty fees of up to $37 . Balance transfers and cash advances also come with fees.

Customer service. If you have questions, contact Barclaycard customer service at 866-928-8598.

Bottom line

This card doesn’t offer many perks, but it’s the right fit for the Carnival regular. With 2x points on Carnival purchases and a statement credit boost for more Carnival spending, you’ll like it if you spend a lot of time on the seas. If you’re an infrequent cruiser, consider a jack-of-all-trades card like the BankAmericard Travel Rewards.

Frequently asked questions

You’ll receive the points at the close of the billing statement after you make your first purchase or balance transfer.

As long as you keep your account open and in good standing, your points won’t expire.

Yes. To use statement credits, you must spend at least $50 with Carnival.

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